private sector expands and tax policies are positive, florida will do well, it is a zero income tax environment, and say in new york for example it is 14% i will see more migration of the "new yorker"s and entrepreneurs moving their business south, and bringing employees with them, and hiring, those markets i think will improve. liz: you know, i don't know, i have to say to myself, wait, are we in an air pocket in housing market. bond yields are rising, mortgage rates are tied to bond yields and they may be going up in the next year or so, should you grab it now. i'm saying interests could go up in next couple years. >> i think you are right, as the slow recovery continues, we'll see rates go up, but not for the next year or so, now, is the best time to be buying real estate, anyone who can, renters should look to buy right now. liz: another important piece of data that the viewer needs to know bpeople who are upside down in their moar mortgage, about 10.6illion in negative equilty. so, there is a big fear, people have been saying this for years, they will flood into the market and cause housin